EquityRail is the infrastructure of real-time mortgage lending. Funding banks plug in through one API to originate and fund home equity lines. Homeowners plug in through a portal to access, spend, and repay their equity. We run the rails in between — valuation feeds, credit monitoring, instant settlement, and payments.
Apply once, get matched with funding banks, and spend equity anywhere Visa, Mastercard, Apple Pay, or Google Pay is accepted.
Originate under your own brand and risk parameters through one REST API. Fund loans with instant, auditable settlement.
Traditional home equity lending runs on static appraisals, manual reviews, and 30-day timelines. EquityRail replaces that machinery with software — so every bank on the network can offer credit lines that respond to the market in real time, and every homeowner gets a lending experience that feels like modern banking.
Comparable sales and automated valuation models stream in through secure market-data oracles. Every credit line on the network recalculates as its collateral moves.
Each bank loads its own rate table and thresholds. Scheduled soft credit pulls keep pricing current; draws pause and resume automatically against bank-set limits.
Funding, draws, and repayments settle in tokenized dollars in seconds, then convert to spendable fiat at more than 150 million merchants worldwide.
Check your available equity in minutes, compare offers from funding banks, and manage your line — including monthly payments — in one place.
Connect your loan origination system, set your risk parameters, and start funding real-time HELOCs under your own brand.
Homeowners can see their available equity in minutes. Institutions can be live in a sandbox this week.